Fidem.lu

05/03/2024

💡 Its Energy Performance
has impacts on the acquisition
of a property in Luxembourg.

🤔 Why is this Certificate mandatory
for a mortgage loan application ?

✅ Check your real estate acquisition budget
and your financial strategy
with our experts

📩 > [email protected]

👨‍💻 Learn more about mortgage loans
in Luxembourg

> https://www.fidem.lu/en/loan-to-value/

27/02/2024

🤔 Why do you need
a Solvency Certificate
for a real estate acquisition ?

👨‍💻 What does it mean ?
> https://www.fidem.lu/en/solvency-certificate/

▶ How to get it ?
Confirm your acquisition budget with FIDEM experts
📩 [email protected]

23/02/2024

💡 You should always consult
an independent mortgage loan broker !

❓ How choose the right one
and when is it the right time ?

✅ Families consulting Fidem. S.A. experts often learn that their bank
cannot necessarily match the best home financing solution
with their life plans.

Discover our article shared with AMCHAM Luxembourg constituency in their latest newsletter
> https://www.amcham.lu/mortgage-brokers-your-shortest-way-to-the-real-estate-financing/

👨‍💻 To learn more on mortgage loans in Luxembourg >
> https://www.fidem.lu/en/fidempedia/

Contact FIDEM experts today for your personalised analysis
📩 > [email protected]

🤝 < Swift • Tailor-made • Free of charge >

Article by Marlon-Yves Nadler, Managing Director of FIDEM SA. What is a credit broker? A credit broker is a service provider that refers consumers to lending institutions and banks. Their mission is to assist you in finding a suitable instalment loan for your financing needs. Your need for these ser...

16/02/2024

Since late 2023,
interest rates
have been decreasing...

How does it impact
your mortgage loan capacity ?

Do you know precisely
your updated acquisition budget ?

➡️ Contact FIDEM experts for your personalised analysis
📩 [email protected]

< Swift • Tailor-made • Free of charge >

01/02/2024

🚨 🚨 🚨 Buyer or Investor -> Contact FIDEM Experts

to review your mortgage loan capacity

with the 2024 new Bellegen Akt

and the recent interest rates decrease. 📉

In order to support the real estate market in Luxembourg

the state has adopted various measures that will apply for 2024

and take effect retroactively from January 1.

For buyers of a new main residence 🏡

· Bëllegen Akt (per person): 40,000 (+€10,000)

· Tax deductibility of debt interest +33% permanently

· Exemption from capital gains tax on sale to the Housing Fund

For investors of rental property 🏬

· Bëllegen Akt (per person) €20,000 (+20.000€) -> Only for VEFA

· Increase in tax depreciation to 6% for 6 years -> Only for VEFA

· Tax rate on the capital gain reduced to 10% (after 2 years of rental)

· 90% exemption from taxation on net income in the case of social rental management of the property

We, at Fidem, will be happy to advise you on the new government measures and the implications for your personal real estate project 🤝

⏩ Contact our experts to check your mortgage loan capcity and to learn which banks suit your real estate project the best.

✉ > [email protected]

04/01/2024

Bullet loan is an interest only type of mortgage loans, mostly known as Bridge Loan.

✉️ Contact our experts to check which type of mortgage loan suits your real estate project the best.
> [email protected]

📖 Do you want to learn more on mortgage loans ?

Check our fidempedia blog
> https://www.fidem.lu/en/fidempedia/

31/12/2023

Ein turbulentes Jahr neigt sich dem Ende 📊.

Wir von Fidem wünschen Ihnen und Ihrer Familie
ein gutes neues Jahr 🥳!

Unsere Kreditexperten freuen sich darauf,
Sie in 2024 bei der Finanzierung
Ihrer Immobilienprojekte zu unterstützen 🏠!

📧 > [email protected]
--------------------------------------

Une année mouvementée s'achève 📊

Fidem vous souhaite, à vous et à votre famille,
une bonne année 🥳!

Nos experts se réjouissent de vous rencontrer
en 2024 et de vous aider à financer
votre projet immobilier 🏠 !

📧 > [email protected]

29/12/2023

Amortisation loan is a less known type of mortgage loans.

✉️ Contact our experts to check which type of mortgage loan suits your real estate project the best.

> [email protected]

📖 Do you want to learn more on mortgage loans ?

Check our fidempedia blog
> https://www.fidem.lu/en/fidempedia/

26/12/2023

Annuity loan is the most common type of mortgage loans granted in Luxembourg.

✉️ Contact our experts to check which type of mortgage loan suits your real estate project the best.

> [email protected]

📖 Do you want to learn more on mortgage loans ?
Check our fidempedia blog

> https://www.fidem.lu/en/fidempedia/

24/12/2023

FIDEM vous souhaite
d'excellentes fêtes de fin d'années 🎄!

Nos experts sont disponibles
pour toute question sur le financement
de vos projets immobiliers 🏠

📧> [email protected]

------------------------------

FIDEM wünscht Ihnen frohe Feiertage 🎄!

Unsere Kreditexperten stehen Ihnen auch
zwischen den Feiertagen
für alle Fragen rund um die Finanzierung
von Ihren Immobilienprojekten zur Verfügung 🏠

📧> [email protected]

06/12/2023

Joyeuse Saint-Nicolas ! 🍭🎉

30/11/2023

The Bëllegen Akt facilitates the acquisition of a new main residence by lowering the registration rights fees.
Its application impacts significantly the required down payment.

✉️ Contact us to check its impact on your mortgage loan capacity with FIDEM experts
> [email protected]

📖 Do you want to learn more on your down payment requirements ?
Check our article
> https://www.fidem.lu/en/equity-capital/